What Is the Average College Tuition for 4 Years? (2025 Guide)

College tuition keeps climbing, and the type of school you choose can make a big difference in what you pay. In-state public universities are generally the most affordable option, while tuition at private colleges often exceeds $40,000 per year. But tuition is only part of the picture. When you factor in housing, food, books, and other expenses, the total cost of attendance can be much higher.

This guide breaks down the average cost of a four-year degree at public and private schools and offers practical ways to reduce your total expenses.

Current private student loan rates

How much is the average college tuition for 4 years?

The average cost of college depends largely on where you go to school. In-state public universities are typically the most affordable option, while private colleges tend to cost significantly more.

The table below breaks down the average four-year tuition costs at public and private colleges for the 2024-25 school year.

What does the total cost of attendance include?

For many students, tuition and fees represent the tip of the iceberg in terms of college costs. Your total cost of attendance includes everything you might need to live and study while enrolled, both academic expenses and day-to-day living costs.

These costs can include:

• Tuition and fees
• Housing or rent
• Food
• Transportation
• Textbooks
• Lab fees
• Supplies
• A personal computer
• Costs related to a disability
• Childcare expenses

Public vs. private college costs

In general, tuition at public universities is more affordable than at private colleges, especially if you qualify for in-state tuition. But once you factor in room and board, books, and other living expenses, the total cost of attendance can still be significant, no matter where you go.

The table below compares the average total cost of attendance for the 2024-25 school year at in-state public, out-of-state public, and private four-year colleges.

Trends in college tuition

Over the last 20 years, college tuition has steadily increased, especially at public four-year schools. In 1994-95, the average in-state tuition and fees at a public university were about $5,740 (adjusted for inflation). Today, that average has climbed to $11,610.

Even when adjusted for inflation, college costs continue to rise faster than the overall inflation rate. These rising costs could be attributed in part to states allocating less funding to public colleges and universities. With less state support, students are left to cover a larger share of the cost.

The table below shows how average tuition and fees have changed over time at public in-state and private four-year colleges. All figures are adjusted for inflation and shown in 2024 dollars.

How to reduce the cost of a 4-year degree

The cost of a four-year college degree can add up quickly. Below are some practical strategies to help you save money and reduce what you might need to borrow.

Take classes at your local community college

Enrolling in classes at a community college can help lower your total tuition costs.

“Consider community college to knock out the prerequisites before attending a major university,” says Hugh Morris, president and senior wealth adviser at The Morris Group @ LPL Financial.

“If this isn't an option, consider taking summer classes at a community college while on break from your university. This will give one lower cost on a per-credit basis, and they typically transfer to the major university,” advises Morris.

Consider a more affordable school

One of the most effective ways to keep costs down is by choosing a lower-cost college.

“I would select public over private,” advises Morris. “Often times, even with private schools giving out scholarships, you still will end up borrowing as much or more for school.”

As you explore your options, take time to compare total costs, including tuition and living expenses, so you can make a more informed decision.

Apply for scholarships and grants each year

Scholarships and grants don't have to be repaid, which makes them one of the best ways to lower your out-of-pocket college costs.

“Always start with scholarships first, and the best source is the colleges themselves,” says Jack Wang, a wealth adviser at Innovative Advisory Group who focuses on helping families cover college costs.

Wang continues, “One misconception about private scholarships, such as those provided by companies, non-profit organizations, etc., is that they are only available to high school seniors.”

“Many scholarships are open to younger high school students, as early as 9th grade, and most are available through college. Applying for private scholarships is not just a one-time event,” says Wang.

Work part-time to offset costs

Working part-time during school can add to your responsibilities, but it may help reduce how much you need to borrow. Even a modest income from part-time work can offset everyday expenses and limit your reliance on student loans.

See Also: 15 Best Jobs for College Students

Accelerate your graduation

Finishing college early can lead to significant savings. Cutting just one semester — or even a full year — off your degree could save you thousands in tuition, fees, and living costs.

To graduate faster, consider earning college credit in high school through dual enrollment or Advanced Placement (AP) courses. You might also be able to get ahead by taking summer classes. In the right situation, these options can help you complete your degree ahead of schedule.